Expertise.com

Best Homeowners Insurance Agencies in Lakewood

2024

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Website
6285 East Spring Street, Long Beach, CA 90808
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Integrity Now Insurance Brokers Inc. is an independent agency providing personalized homeowners coverage. The company's licensed agents research multiple carriers to deliver the individual protection their clients require. They offer standard plans that protect against losses sustained through such events as fire, theft, and vandalism in addition to liability coverage. Integrity Now Insurance Brokers also provides supplemental policies for earthquakes and flooding. The company's other policies include auto, business, health, and life.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4909 Lakewood Boulevard, Lakewood, CA 90712
  • Multiple Policy Types

Why choose this provider?

Hershfield Insurance Agency is a Lakewood-based independent insurance agency. The company has a host of insurance products in its lineup, including homeowners' insurance, which can cover a house, apartment, or condominium. The policy provides its clients with the money needed to repair or replace the home and personal belongings in cases of losses due to fire, vandalism, or theft. It also provides liability protection when someone becomes injured while inside the property of the policyholder.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (37)
Yelp
4.0 / 5 (20)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6414 Del Amo Blvd, Lakewood, CA 90713
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Neighbors Plus Insurance Services is an insurance agency that grants homeowners' insurance to clients in Lakewood and nearby areas. It has been serving the community since 2005. The agency educates clients about the basics of insurance policies and coverage, to help them better understand the insurance they are acquiring. It can provide a new homeowners' insurance policy or upgrade an existing policy to keep the home safely insured. A homeowners' insurance can protect a dwelling from potential damages and prevent extensive financial losses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (10)
Yelp
4.5 / 5 (10)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2150 East South Street, Long Beach, CA 90805
  • Renter's Insurance
  • Fire

Why choose this provider?

Saferoad Insurance is an independent agency providing homeowners coverage options near Lakewood. The company's licensed agents represent multiple carriers to deliver personalized insurance solutions at competitive rates. They evaluate the replacement value of the dwelling, secondary structures on the property, and personal possessions, including jewelry, firearms, and camera equipment. Saferoad Insurance's professionals are committed to protecting their clients' interests. The company also offers commercial, auto, life, and Mexico insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (52)
Yelp
4.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What should you do right after a property loss in Lakewood?

    Immediate action is required to secure the Lakewood property following the damage. It is essential for both your safety and the validity of your homeowner's insurance claim. Because you failed to take the necessary precautions to secure your property, the insurance company may not cover the costs of additional damage. This may involve covering walls, windows, roofs, and doors with temporary materials like plastic sheets, tarps, or plywood. However, be cautious not to jeopardize your safety when making repairs.

  • Can a homeowner's insurance cover the cost of renting a trailer after a loss deems the Lakewood home uninhabitable?

    Yes, homeowner's insurance policies in California typically cover additional living expenses. The coverage reimburses the expenses incurred to evacuate and live elsewhere when the home is deemed uninhabitable due to damage. These costs may include trailer rental, moving costs, and daily necessities such as transportation, food, and education. Generally, the coverage can be in effect for up to 24 months following a disaster in Lakewood, as mandated by state law.

  • How much coverage should you consider when purchasing a homeowner's insurance in Lakewood?

    Always remember to maintain adequate homeowner's insurance coverage so that you can safeguard your assets and avoid financial difficulties. This begins with having adequate coverage to cover the costs of rebuilding or repairing your home in the event of damage or loss. You may also need to consider whether you have adequate insurance to cover the financial costs that may arise if you or members of your household cause harm to another person or their property.

  • Is there going to be a non-coverage in your homeowner's insurance if you live in an old Lakewood home?

    If your old home is not up to date with the current local building code and suffers damage, you may not be covered for the expenses required to make your home code compliant when you rebuild it. Simply obtain an endorsement for an additional fee to obtain this coverage. The City Clerk's Office, which can be reached at 562-866-9771, extension 2200, can assist you in determining if your home is code-compliant. The office is located at 5050 Clark Avenue, Lakewood, CA 90712.

  • Can getting paid by the insurance company really be problematic in Lakewood?

    Many claims go smoothly, and Lakewood policyholders receive payment from their insurers without incident. When large sums of money are involved, problems usually arise. The most common causes of claim resolution issues are insufficient insurance coverage, disagreements over what is or is not covered, and disagreements over the scope of coverage. Furthermore, recent issues in California's insurance industry may have an impact on claim payout. Inflation, an increase in claims due to severe weather, and economic problems are among the issues.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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